Visbanking Logo
Skip to main content

Park Bank National Association

IDRSSD: 518354
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Vital Signs Report — 2024-Q3

Per-quarter snapshot for 2024-Q3: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
78
/ 100
StableAs of 2024-Q3QoQ +7

Weighted composite of five pillars (Liquidity, Securities, Capitalization, Asset Quality, Reserves). Missing pillars are dropped from the denominator. See methodology footer.

Quarterly Headline

2024-Q3

Bank #518354 2024-Q3 Vital Signs Score: 78/100 — overall stable. Strongest pillar: Capitalization (strong). Weakest pillar: Securities (risk).

Liquidity:Strong
Securities:Risk
Capitalization:Strong
Asset Quality:Stable
Reserves:Strong

Top 3 Watch Items

  1. watch
    Adjusted NPL above 2%
    Asset Quality — Adjusted NPL 4.81% (govt-guarantees stripped).

What changed this quarter

Compared to Q2 2024:
↑ +7 ptscomposite
  • Liquidity
    ↑ +1
  • Securities
    ↑ +5
  • Capitalization
    — —
  • Asset Quality
    ↑ +21
  • Reserves
    ↑ +4

The five pillars

Liquidity

StrongQoQ +1
97
Sub-score

Liquidity is strong: brokered 4.5%, loans/deposits 47.4%, cash 11.8% of assets.

Cash / Assets
11.82%
Loans / Deposits
47.39%
Brokered %
4.49%
No watch items at this period.

Securities

RiskQoQ +5
32
Sub-score

Securities profile is weak: securities 40.5% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
40.54%
No watch items at this period.

Capitalization

Strong
100
Sub-score

Capital position is strong: Tier 1 RBC 30.06%, CET1 30.06%, leverage 15.92%.

Tier 1 RBC
30.06%
CET1
30.06%
Leverage
15.92%
No watch items at this period.

Asset Quality

StableQoQ +21
68
Sub-score

Asset quality is stable: Adjusted NPL 4.81%, Texas Ratio 10.5%, NCO YTD -0.42%.

Adjusted NPL
4.81%
Govt-guarantees stripped
Texas Ratio
10.5%
NCO YTD
-0.42%
30-89 PD
0.06%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%

Watch Items

  • watchAdjusted NPL above 2% — Adjusted NPL 4.81% (govt-guarantees stripped).

Reserves

StrongQoQ +4
80
Sub-score

Reserves are strong: ALLL 5.11% of loans, coverage 111.9%, true coverage 111.9%.

ALLL / Loans
5.11%
Coverage
111.9%
True Loss Coverage
111.9%
No watch items at this period.

Methodology + sources

Vital Signs Score
Composite of five pillar sub-scores, each 0–100. Weights: Liquidity 20%, Securities 15%, Capitalization 25%, Asset Quality 25%, Reserves 15%. See functions/src/vitalSignsScore.ts for the complete formula and band anchors.
Period addressing
Per-quarter URLs accept "YYYY-Q{n}" (canonical), "YYYYqQ" (compact form), or "YYYY-MM-DD" quarter-end dates. All forms canonicalize to the same snapshot.
Source data
FFIEC Call Report Schedules RC, RC-A, RC-B, RC-E, RC-M, RC-N, RC-R, RI, and RI-B Pt I/II via CallReport_Financials + CallReport_FdicData (Visbanking nightly ingest).

Five-pillar framework follows industry-standard bank-health analytical conventions. Composite scoring is Visbanking's own.

Generated: 2026-05-14 14:37:40 UTC